Business Credit Cards That Pull Experian Only

Does Experian feature your best personal credit score? Many of the major business credit cards are said to pull from this consumer credit bureau.

Here are a few of the top business credit cards that pull from Experian only.

Business Credit Cards That Pull Experian Only

The American Express Blue Business Cash Card

The American Express Blue Business Cash Card is a great business credit card to apply for if you want to earn rewards and save money.

Unlike other options, there’s no annual fee with this Amex card. They offer a 0% introductory APR for 12 months. After which, their variable APR sits at around 17.49% to 27.49%.

As the name suggests, this is a cash back rewards card. They don’t offer anything too impressive, but it will still help you save.

Rewards include:

• A $250 statement credit if you spend at least $3,000 in the first three months
• 2% cash back on purchases up to $50,000 per calendar year
• 1% cash back on all purchases after 2% runs out

If you’re a fan of extra perks, you may enjoy added travel insurance, up to 99 employee cards at no extra charge, and extended warranty protection.

The Bank of America Business Advantage Unlimited Cash Rewards Secured Business Credit Card

Is your Experian personal credit score your best credit score? Is it still not sufficient to get the business credit card you want? If so, the Bank of America Business Advantage Unlimited Cash Rewards Secured Business Credit Card is a viable option.

The Bank of America Business Advantage Unlimited Cash Rewards Secured Business Credit Card is a straightforward card.

They have a $1,000 minimum security deposit. You can start with a credit limit of up to $10,000.

This card doesn’t come with an annual fee. However, the standard APR is rather high. This card features a 27.49% variable APR.

They do offer some additional perks. These include travel insurance and free Dun & Bradstreet scores through Business Advantage 360. They’re also one of the handful of secured business credit cards that report to D&B.

Secured business credit cards aren’t for every small business owner. Take care to assess your options before committing to a secured business credit card.

The Chase Ink Business Cash Credit Card

If you like the perks of the Amex Blue Business Cash Card but wish it offered more, one of the best business credit cards is the Chase Ink Business Cash Credit Card.

The Chase Ink Business Cash Credit Card offers:

• Up to $750 bonus cash back: $350 when you spend $3,000 within the first three months and an additional $400 when you spend $6,000 within the first six months.
• 5% cash back on the first $25,000 spent each anniversary year. Eligible purchases include those from office supply stores as well as internet, cable, and phone services.
• 2% cash back on the first $25,000 each anniversary year on business expenses from gas stations and restaurants.
• 1% unlimited cash back on everything else
• Automatic credit limit checks every six months.
• Free employee cards
• $0 annual fee
• 0% introductory APR for 12 months. After that, a variable APR of 17.49% to 25.49%

It’s one of the better business credit cards for small businesses.

What To Do If You Only Have Good Credit with One of the Credit Bureaus

Having a top score only at Experian can be frustrating. When applying for business credit cards, you don’t want to be limited by your lack of high scores across the board.

But what can be done about it?

• Adhere to Personal Credit Best Practices: If your personal credit scores are low, the best thing to do is to avoid any potential mistakes moving forward. Maintain low credit utilization, pay your bills on time, and work on eliminating any existing debt. Over time, you’ll see an improvement in your scores.
• Review Your Credit Report Regularly: If one credit score is high but the others are not, it could be that your credit report features inaccurate or incorrect information. Check your free credit report regularly. Look for issues like open accounts that should be closed, reported payments that aren’t correct, inaccurate account balances, and other red flags.
• Learn the Variations of Each Bureau: Scores will vary somewhat across each personal credit bureau. Learning how each of the consumer credit bureaus approaches scoring will allow you to understand why scores vary and what can be done to improve them.

Can You Get a Business Credit Card without Personal Credit?

Attempting to apply for a business card when you have bad credit is difficult.

Why not circumvent the need for personal credit? If your personal credit could be better and you’re worried that your options are limited, you can apply for EIN-only cards instead.

Finding the right EIN-only cards can be equally challenging. However, these are better suited for smaller businesses with limited credit history. They’re designed for small business needs.

EIN-only cards typically encompass charge cards, fleet cards, and specific business credit builder card solutions. The average small business credit card from a bank can be a bit harder to qualify for with just your EIN.

On that note, make sure you’re applying for cards that don’t report to personal credit. Some reportedly “EIN-only” cards do. Learn which business credit cards do not report personal credit before applying.

Build Business Credit to Qualify for Better Cards

Building business credit makes it vastly easier to qualify for business credit cards that offer the terms and perks you want.

You can start building business credit with multiple business and vendor tradelines. Then, by acquiring business credit cards, loans, and lines of credit that help fund your business and improve your business credit score and credit history with commercial credit bureaus.

However, every journey has to start somewhere.

We recommend getting started with FairFigure.

Start Your Business Credit Journey With FairFigure

FairFigure is designed to help small businesses gain their footing and begin building business credit.

Our credit monitoring service serves two purposes: it helps you stay on top of your business credit scores, and it helps you gain access to a business tradeline. Your subscription is reported to Dun & Bradstreet, the SBFE, Equifax, CreditSafe, and our Foundation Report.

When you use our credit monitoring service, you can also apply for the FairFigure Capital Card. This card is an EIN-only card that offers funding based on your revenue. All you need to qualify is a small business that’s at least three months old and generating at least $2,500 a month.

Sign up for FairFigure today to discover how you can begin building business credit with ease.